Toyota Tundra Insurance Rates

The average Toyota Tundra insurance costs drivers $1,468 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. For example, 2018 Toyota Tundra insurance costs less than the newest model.

In order to help you secure the best Toyota Tundra car insurance rates and policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally answer the question, “How much does a Toyota Tundra?” cost for yourself.

You can even start comparing Toyota Tundra insurance quotes from multiple companies by entering your ZIP code into our free tool.

Average insurance rates for a Toyota Tundra are $1,442 a year including full coverage. Comprehensive insurance costs an estimated $306, collision costs $506, and liability insurance costs around $450. Buying just liability costs as low as $518 a year, with insurance for high-risk drivers costing $3,106 or more. 16-year-old drivers receive the highest rates at $5,420 a year or more.

Average premium for full coverage: $1,442

Rate estimates broken down by individual coverage type:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Tundra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates the effect of geographic area on insurance prices.

These examples highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Toyota Tundra insurance rates for other coverage scenarios.

• The best full coverage rate is $843
• Using higher $1,000 deductibles will save approximately $182 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,442
• Buying more expensive low deductibles for physical damage coverage will cost an additional $358 a year
• Drivers with multiple tickets or accidents could pay up to $3,106 or more
• The cost that insures a teen driver with full coverage can cost as much as $5,420 or more

View Chart as Image

Auto insurance rates for a Toyota Tundra can also vary considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,700 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance can be anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $5,400 a year. View Rates by Age

Where you live has a huge impact on Toyota Tundra insurance rates. A driver around age 40 might see rates as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,060 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $540 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $405 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find More Affordable Toyota Tundra Insurance

Saving money on Toyota Tundra insurance requires being safe and accident-free, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Comparison shop at least once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below you'll find a summary of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $170 per year simply by shopping early and online
• High-risk drivers who have multiple accidents or major violations could be charged and average of $1,660 more annually than a low-risk driver
• Increasing deductibles can save approximately $550 each year
• Youthful drivers are the costliest to insure, as much as $452 per month if the policy includes full coverage

Some might asking, “How much does a fully loaded Toyota Tundra cost?” It has one of the highest priced pickup trucks at $33,500 and up in depending on the year.

What problems do Toyota Tundras have? The most common issues reported to RepairPal included:

• Ticking Noise From Failed Exhaust Manifold (260 people have reported this)
• Toyota Recall For Lower Ball Joint Issue (199 people have reported this)
• AIR injection Pump failure (136 people have reported this)
• Oxygen Sensor May Fail (123 people have reported this)
• All other reports issues were under 30 reports.

Now that you have a better understanding of how Toyota Tundra car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Toyota Tundra insurance costs from top companies.

What are the safety ratings of the Toyota Tundra?

The safety ratings of the Toyota Tundra are important to know because positive scores translate to lower insurance rates. 

Take a look at the Toyota Tundra’s crash test ratings as determined by the Insurance Insitute for Highway Safety.

• Small overlap front (driver-side): Marginal
• Small overlap front (passenger-side): Poor
• Moderate overlap front: Good
• Side: Good
• Roof strength: Acceptable
• Head restraints and seats: Good

As you can see, the crash test results of the Toyota Tundra are a mixed bag. Some parts of the truck performed well while both sides of the overlap front have room for improvement.

Toyota Tundra Compared Against Other Vehicles in the Same Class

Since the Insurance Institute for Highway Safety classifies the Toyota Tundra as a large pickup truck, there is plenty of competition in this vehicle segment. 

Take a look at the following three pickups that are comparable to the Toyota Tundra. By doing so, you will begin to see what average insurance rates look like for this vehicle segment.

• Chevrolet Silverado
• Nissan Titan
• RAM 1500

We have uncovered a lot of information about the Toyota Tundra, so is there anything we might’ve missed? If not, start comparing Toyota Tundra insurance rates from multiple companies by using our free online quote tool.